LASER Credit Access Insights Hub

A soft pull credit report is visible to the borrower but not to other lenders. See what the FCRA actually requires — and why it matters.

An inadvertent hard credit pull creates FCRA exposure for lenders. See how to remove the inquiry, document the fix, and prevent repeats.

FHA now accepts FICO 10T and VantageScore 4.0 while keeping tri-merge reports. See what the new scoring rules mean for credit bureau integration in 2026.

Auto lending compliance in mid-2026 means record delinquencies, state enforcement, and FCRA scrutiny. See the five priorities lenders must address now.

How lenders pull Experian, TransUnion & Equifax credit reports, automate decisioning, and embed AML/KYC compliance inside their own Salesforce.

The CFPB's 2025 Enforcement Lookback signals a sharper focus — not a retreat. FCRA, Regulation V, and documentation remain in scope. See what changed.

The FCRA places strict obligations on lenders who furnish data, handle disputes, or pull credit reports. See what your compliance checklist must include.

MCA regulation is expanding state by state. Disclosure laws and registration requirements are reshaping commercial lending. See what lenders need to know.

Bad address data undermines lending workflows. See where native Salesforce falls short and how a purpose-built approach keeps data clean. Learn how.

Lending compliance challenges are intensifying in Q2 2026. See how lenders can prepare for CFPB, FTC, AI model risk, and state privacy enforcement. Learn how.

AI fraud detection for lenders is reshaping how institutions fight synthetic identity fraud and account takeovers. Discover how to strengthen your defenses.

The FTC Safeguards Rule requires a written information security program built on nine core requirements. Here's what lenders on Salesforce need to know.

Synthetic identity fraud costs lenders billions annually. Learn how KYC verification and continuous monitoring protect your lending portfolio.

Non-bank commercial lenders must comply with the FTC Safeguards Rule under GLBA. Learn the five core requirements and how to operationalize them.

California privacy law is evolving fast in 2026. See what the 'business purpose' standard now requires for lenders handling consumer financial data.

Three interconnected challenges are reshaping lending operations. Discover how integrated compliance intelligence strengthens credit decisioning.

The DOJ seized a domain used in a $28M bank account takeover scheme that used fake search ads to harvest credentials. See what lenders need to know.

TransUnion's 2026 credit forecast shows delinquencies stabilizing across lending categories. See what the data means for lenders managing portfolio risk.

Credit unions are deploying AI and collaborative fraud tools to address synthetic identity, deepfakes, and account takeover. See what's working in 2026.

Digital account opening is expanding fraud exposure for lenders. See the survey data and what layered identity verification controls now require.

Alternative credit data can extend access to 45 million underserved Americans. See what it means for lenders and how Plaid integration works in Salesforce.

The largest data breaches of 2023–2025 revealed GLBA and FTC Safeguards Rule gaps for lenders. See what each incident means for your compliance program.

Identity fraud losses in North America hit $47 billion, driven by account takeover and new-account fraud. See what the data means for lenders.

Embedded finance is weaving credit into every transaction. See what the structural shift means for lenders and the compliance infrastructure it requires.

Third-party vendor risk is a top compliance exposure for lenders. FCRA and GLBA obligations stay with your institution — not your vendors. Here's why.

KYC timing before pulling credit reports closes a critical FCRA-BSA compliance gap. Learn how lenders use sequencing to prevent synthetic identity fraud.

FICO's Mortgage Direct License Program reshapes credit scoring for lenders. See pricing, bureau impact, and what it means for your decisioning workflow.

SMB lenders who pull credit on personal guarantors trigger FCRA protections on commercial loans. See what adverse action and disclosure obligations apply.

Step-by-step guide to setting up and configuring LASER Credit Access on Salesforce — covering ACCESS, DECIDE, and COMPLY pillar configuration.

AML and KYC are mandatory for lenders under the BSA. See the CIP requirements and how Salesforce-native compliance tools streamline your program.

Federal law requires identity verification before opening accounts or extending credit. Learn the CIP requirements under the USA PATRIOT Act.

FinCEN's April 2026 NPRM overhauls AML/CFT compliance for financial institutions. See what the risk-based framework shift means for lenders on Salesforce.

Credit reports and PII are among the most regulated data categories in lending. Explore FCRA, GLBA, and FTC Safeguards Rule obligations.

Where loan approval delays actually come from, which steps to automate, and how a Salesforce-native workflow keeps decisioning fast, consistent, and auditable.

How lenders can request credit data for applicants without a Social Security Number, manage match accuracy, and stay FCRA- and ECOA-compliant inside Salesforce.

What a frozen credit report means for lenders, how security freezes differ from fraud alerts and credit locks, and how to help applicants lift a freeze quickly.

How to assign credentials to a User of the LASER Credit Access App

Setting up the personal Credit Report page layout and the object you will run the credit reports from

A quick overview of LASER Credit Access functionality

Additional settings available using LASER Credit Access

How to add or remove a Co-Applicant

Get OFAC Status for Contacts and Accounts at no charge with LASER Credit Access

How to map the fields to send the credit request

Granting permission to a user to run a credit report

How to update permission sets for LASER Credit Access

How to grant login access on Salesforce

How to run a credit report that was frozen

How to update your credit card on the Salesforce AgentExchange